HELOC Qualifying

[Jason Merchey]

I was thinking about taking out a HELOC for a real estate investment. I have good credit, and so does my wife. We have a little cash reserves. She recently became employed after taking some time off, and I have an investment stream that sometimes pays off, sometimes doesn't, in other words is not consistent. There are also a few little cash flow streams, and virtually no debt. So, question is, without a job per se, are my chances of getting a HELOC nil? Or if all our credits are simply greater than all our debits in a given month, will a bank or CU likely offer a HELOC to a family such as mine?